Consumer information
Federal Consumer
Information Center
The FCIC is a gold mine of helpful info, with topics
including How to Qualify for a Low Down Payment,
Shopping for Mortgages, Closing Costs, Mortgage
Insurance, Home Maintenance, Refinancing, How to
Sell a Home, and much more.
Is it better to Rent or
Buy?
Find out with the calculators on Yahoo and E-Loan.
Mortgage Information
Current Mortgage
Rates
Check them at Yahoo.
How much can you borrow
for a mortgage?
Use the calculators from E-Loan and Yahoo.
Mortgage Brokers
E-Loan helps you find a bank to give you a mortgage.
Private Mortgage
Insurance
PMI
Rescue explains what it is, and how to cancel
yours when you don't need it any more.
Refinancing a
Mortgage
See the Motley
Fool's article on refinancing, and a
calculator to tell you how much refinancing
will save or cost you.
Credit Reporting Information
Three-in-One Credit
Reports
You can get a copy of your report from
each of the three main Credit Reporting Agencies
(CRA's) for $9 or so (sometimes free, if you've
recently been denied credit). But many credit card
issuers will sell you a single report that combines
the information in your file from all three CRA's
(3-in-1 report). For example, Discover Card sells a
service called ProfileProtect for $8 a month. When you sign up they send you the
3-in-1 report, and then they monitor your credit
file at each of the three CRA's and let you know if
bad info gets added to your file. You can cancel at
any time. If you don't have a Discover card, call
the customer service number of any card you DO have
and see if they offer this service. If not, you can
order a 3-in-1 report online from QSpace,
but it's more expensive ($30).
Credit Reporting
Agencies (CRA's)
Trans
Union, Equifax,
and Experian.
Your Rights concerning
Credit Reports
Useful info on the Federal
Trade Commission's Credit pages
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